Our Self Invested Personal Pension (or SIPP) is our most flexible pension, offering a wide range of investment options from Standard Life and other providers.

  • Extensive investment choice

    Choose from hundreds of pension funds from leading fund managers. You’ll get access to the same funds as our easy option and DIY option Personal Pensions plus thousands of mutual funds, stocks & shares and cash (SIPP bank account). As at June 2019.

    Better deals

    We've negotiated deals with leading fund managers so you have access to funds with competitive charges.
  • Payment choice

    Make single, yearly or monthly payments into your plan. You can change, stop and start when you want.
  • Transfer other pension pots

    By moving your other pots or savings to our SIPP, you’ll have everything in one place. The minimum to do this is £10,000, but if you have an existing SIPP there is no minimum amount.Transferring isn't right for everyone.
  • Manage your SIPP online

    Review your SIPP using your laptop, tablet or mobile. Check statements, manage your payments and more.
  • Access your cash from age 55

    There are a number of ways to take money from your pension and you can normally access the money in your pension pot when you turn 55 (subject to change).

Remember, investments can go down as well as up in value and may be worth less than was paid in.

Compare pensions – which of our most flexible pensions is right for you?

 Self Invested Personal PensionDIY option Personal Pension
Choosing where to invest You’ll have our widest choice of investments:
  • Hundreds of pension funds
  • Thousands of mutual funds
  • Stocks and shares investments
  • Commercial property
And more.
You can choose from hundreds of pension funds
Risk You need to make sure you regularly review your investments to check they continue to match how much risk you’re prepared and able to take. You need to make sure you regularly review your investments to check they continue to match how much risk you’re prepared and able to take.
Minimum payments
SIPP value under £50,000
£300 a month - You pay £240.
HMRC pays £60.

Or

£3,000 minimum annual payment. You pay £2,400.
HMRC pays £600.
£100 * a month - You pay £80.
HMRC pays £20.

Or

£1,000 minimum annual payment. You pay £800.
HMRC pays £200.
SIPP value over £50,000 £100 a month - You pay £80.
HMRC pays £20.

Or

£1,000 minimum annual payment. You pay £800.
HMRC pays £200.
 

 *If completed online or plan value more than £25,000. If your plan is under £25,000 minimum payment is £150 a month.

Transferring your pension to our SIPP is easy. Call us today to find out if transferring is the right option for you. Remember though that transferring may not be suitable for everyone. For example if you’re transferring benefits from another scheme, there’s no guarantee that what you’ll get back from your plan will be higher. You may be also giving up valuable benefits in the other pension scheme.

Call us on 0345 272 8810

Call charges will vary.